NEW CHALLENGE TIME!
Due to recent and upcoming events, I have to change my priorities for a while. The main reason for this change is that I’m aiming to move out and live entirely by myself for the first time in June. Other than that, I have a wedding at the end of March, my 30th birthday at the end of this challenge (YAY), and my coworker invited me to her daughter’s quinceanera in June (for which I need to buy a dress ). I’m sure more things will pop up along the way - I’ll have to take them as they come.
With the shift in priorities, and having looked back on what worked and what didn’t last challenge, I’m doing a bit of an overhaul. Back in my early NF challenge days I used a point system, and that’s what I’m going back to. It gives me a little wiggle room to tailor minor goals to whatever my schedule is each week, while also keeping up with my main goals. All tracker info and updates will live in the post below this one.
Self care Dragon
This will be staying the same. It can be anything from a few words to a few pages, I just need to get something out in order to manage my stress level. 4x per week.
I want to start my almost-spring cleaning. This includes going through clothes, re-organizing, decluttering, and purging stuff I don’t want/need/use. I’ve made a list of general tasks to complete in my tracker throughout the course of the challenge.
The goals: cut spending, save more, pay down debt, and sell anything I don’t need or want. Finances are going to be a big deal from here on out, so I’m making it the main focus.
I want to live on my own, and I’m stubborn enough to find a way to make it work. Sure, having roommates makes apartment living more affordable, but I’m genuinely sick of dealing with other people’s shit (can you tell I’m a little salty...lol). I get more stress from it than anything else, so I’m determined to do it on my own even if it means becoming a hermit and pinching my pennies. I’d also like to start on the path towards homeownership. In order to get on track for both of these, I need to see exactly where my money is going so I’m going to be tracking everything in a notebook. I’m not excited for this process, but it needs to happen. From there I can cut out unnecessary spending, be thrifty, and save, save, save the rest.
Between the remainder of my car loan and two credit cards, the combined total of my debt is less than 10k. Not terrible, but not great either. I want to begin by paying down the higher interest debt that I’ve accumulated - the two cards. To do this, I can go one of two ways -
1) One card has a much lower balance on it, so I put more money towards it and pay that one off first. When that is done, I can put a larger monthly sum towards the other card.
2) If I can find a low or zero interest card to transfer both balances onto, then I’ll only have one payment per month instead of 2. Having the low or zero interest would be a HUGE help too, as I’d actually be paying the balance down.
I want to look more into option 2, as interest is the real killer here. I’m going to do some research to see if that’s a possibility for me, and what options I have if it is. In the meantime, I’m going to work on option 1. Once these cards are done, I’ll go back to paying a larger sum each month towards my car until that’s gone too.
Part of my self care goal is to declutter via almost-spring cleaning. In addition to throwing away and donating, I want to post any eligible items for resale online in order to make a little extra cash. Another thing I can try is to dig into my surplus of unused crafting supplies and make stuff to sell on etsy or wherever. Not sure how much luck I’ll have with that, but worse come to worst I’ll donate them.
I’ll be continuing to cut down on soda this challenge as well. I’m not totally cutting it out yet, but that will come.
Workout 3x per week, though with less specificity as to what kind of routine I need to do. Last time around I wanted to stick with beginner bodyweight and/or kettlebell workouts, buuuut I don’t like to confine myself to a box. As long as I’m purposefully getting exercise one way or another, it counts.
There are a number of things I want to do outside of my main goals that I may not be able to do consistently every week or are only one-time events. Reading, photography, crafty stuff, updates, etc. They’re going here.
My mom asked me to crochet her some dish cloths, and I want to get those done before this challenge is out so I can ship them to her. Included in this category will be crafting things for an etsy shop or something of the like.
I recently started a book called The Joy of Less, which is about minimalism and decluttering. I thought it would be a good thing to read while I go through my cleaning process.
A continuation from last challenge, though I’m not sure I’ll be able to keep up with it regularly as I’d previously planned. I still need to find new editing software, but otherwise I’d like to get a few shoots in.
Aiming for 2 per week overall, preferably on Mondays and Thursdays. I’ll try to be better about following other challenges as well; I know I wasn’t super on top of that last time.